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Blog

Welcome to my new website's Blog page!  Check here periodically for news, articles and maybe some family and event photos.

I welcome your comments and suggestions!  Please e-mail me at kyle.e.murphy@lpl.com.

Tuesday, October 20, 2026

Have you saved enough? Whether you started late, or have regularly saved throughout your career, you might wish you could stash some additional cash in your retirement fund. Fortunately, if you’re 50 or older, you can. The IRS offers...

Wednesday, October 7, 2026

The Free Application for Federal Student Aid (FAFSA) for 2027-28 opened to all on October 1, 2026. Your student's FAFSA can unlock grants, scholarships, work-study, and federal loans.

Thursday, October 1, 2026

October is a month we set aside for a special focus. Most months, it makes sense to look at anything that might need immediate attention, such as a major expense or questions you might have. But once a year, there’s real value in...

Wednesday, September 30, 2026

Lately, we have noticed an interesting shift in our introductory meetings. Clients and prospective clients are increasingly coming into our offices with financial strategies, portfolio ideas, or checklists that are printouts of...

Monday, September 28, 2026

Have you been thinking about your extended care strategy? Someone turning 65 today has nearly a 70 percent chance of needing some type of extended care. One in three will never need it, but 20 percent will need it for longer than five...

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Thursday, September 24, 2026

Keeping up with the pace of change in the AI world seems overwhelming at times. Almost daily, companies give glimpses into their internal struggles in managing the pace of change driven by AI. In late August, a Goldman Sachs partner...

Saturday, September 19, 2026

For years, the assumption was simple: once the kids move out, extra money follows. Groceries drop. Utilities shrink. The car logs fewer miles. But what happens next rarely matches what people expect. The Categories That Shrink First...

Saturday, September 12, 2026

National Assisted Living Week, observed September 13-19, 2026, is a chance to recognize the caregivers, staff, and communities that support older adults every day. It's also a moment when many families consider their own care needs,...

Monday, August 31, 2026

August is ending so you know it's time for the Murphy Family Back to School collage. We'd love to see your Back to School photos too. Send them to kyle.e.murphy@lpl.com. today. Hope you've had a great summer!

Monday, August 24, 2026

The Financial Realities Women Still Face What the numbers say—and why it matters for the people you care about August 26 is Women’s Equality Day—the anniversary of the 19th Amendment, when women gained the right to vote. That was more...

Thursday, July 30, 2026

Understandably, talking to your parents about their estate can be awkward, but doing so while they are healthy and alert will help eliminate questions and potentially costly mistakes down the road. A financial professional can help...

Monday, July 27, 2026

For years, the conversation about passing on wealth was shaped by a single, pressing question: Will the exemption sunset? That urgency is behind us. The One Big Beautiful Bill Act, signed July 4, 2025, permanently set the federal...

Tuesday, July 14, 2026

Trump Accounts officially opened for contributions on July 4, 2026. We wanted to send a quick note covering what we think matters most for families with kids or grandkids in the eligible age range. The most concrete piece first: if...

Thursday, June 18, 2026

Here’s some good news about 529 plans that could change how you think about education savings. For years, these accounts have been straightforward college savings vehicles: contributions grow tax-free, and withdrawals for qualified...

Wednesday, June 10, 2026

For years, common wisdom told grandparents to avoid contributing to 529 college savings accounts because they could count as student income on the FAFSA and hurt financial aid eligibility. But that’s no longer the case. That shift...

Saturday, June 6, 2026

Most people want the upper hand in guiding their assets during their lives and after they pass. A trust might be able to help. Start With the Intention A trust is a legal structure that holds your assets and carries your instructions...

Sunday, May 31, 2026

You're contributing to your retirement account, which already puts you ahead of the curve. But there's a difference between contributing and contributing with intention. That’s worth a quick look.

Friday, May 15, 2026

If you’re earning low to mid six figures but feel your assets don’t reflect your earning power, here are three ideas to help you build your wealth: • Invest beyond your 401(k). Consider an individual retirement account (IRA) or...

Friday, March 20, 2026

In late December 2025, the IRS and U.S. Postal Service clarified how mail is postmarked, which may affect how contributions are credited for tax reporting purposes.What’s changed?A postmark now reflects when an envelope enters USPS...

Monday, February 23, 2026

To help you better align your financial plan with paying for long-term care, it’s beneficial to understand what long-term care can include. Long-term care is usually defined as a series of ongoing services and support provided to a...

Monday, February 9, 2026

Because Medicare doesn’t pay for long-term care, creating a financial strategy with your savings or long-term care insurance can seem overwhelming.

Wednesday, February 4, 2026

Perhaps you’ve heard the maxim, “Preparation is the key to success.” But when it comes to life insurance, knowing when to prepare is almost more important than the preparation, itself.Sure, it can be difficult to think about life...

Friday, January 23, 2026

Want to get connected?We wanted to let you know about a another way to connect with us, on your own time, through our social media channels.Our Facebook and LinkedIn pages feature helpful financial information, including top-quality...

Wednesday, January 14, 2026

When the One Big Beautiful Bill (OBBB) Act was passed on July 4, the legislation left several unanswered questions that the IRS is now addressing. The IRS undergoes this process every year, but this time around, the OBBB has added to...

Wednesday, January 7, 2026

The Internal Revenue Service (IRS) has released new limits for certain retirement accounts for the coming year.